We just had an offer accepted to purchase with Coventry BS. I went into 3 or 4 local companies but am unable to find a Balham conveyancing firm on the Coventry BS approved list. Could you assist?
Please do take advantage of the find a conveyancing panel solicitor tool on this site. Pick the lender and type Balham or your location and you will discover a number of lawyer located in Balham or by proximity to you.
We are buying a 4 bedroom semi-detached house in Balham. We would like to carry out a loft conversion at the property.Will legal conveyancing on the property involve checks to see if these works are allowed?
Your property lawyer will check the registered title as conveyancing in Balham can on occasion reveal restrictions in the title documents which restrict categories of changes or necessitated the consent of a 3rd party. Some extensions require local authority planning permissions and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor before you commit yourself to a purchase.
I can not work out if my mortgage offer requires a lease extension. I have telephoned my Balham building society branch on various occasions and was advised it wasn't a problem and they would lend. My Balham conveyancing solicitor - who is on the bank conveyancing panel- called to say that they would not lend based on their published requirements. Who do I believe?
Provided that the solicitor is on the bank panel, they must comply with the Council of Mortgage Lenders’ Handbook provisions for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I have finally had an offer on a flat in Balham agreed to, but there is a chain. The vendors have offered on a flat, but it’s not yet agreed to, and have viewings of other flats booked. I have selected a high street conveyancing solicitor in Balham. What should be my next step? At what point should I apply for the mortgage with Nationwide?
It is understandable to have concerns where there is a chain as you are unlikely to want to incur expenses too early (home loan application is approx £1k, then survey, Balham conveyancing search fees, etc). First, you must ensure that your conveyancer is on the Nationwide approved list. As to the next steps this very much dictated by the circumstances of your case, motivation for the property and on the state of the market. In a buoyant market the majority of purchasers would apply for a home loan with Nationwide and arrange for the valuation and only if it comes back ok would they ask their solicitor to proceed with the conveyancing in Balham.
I note that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when purchasing a property in Balham? or Apparently there is a law dating back centuries that could mean that house owners living in a parish church boundary will be compelled to pay for repairs to the chancel in proximity to the church. Is this applicable for conveyancing in Balham?
Unless a previous acquisition of the house completed after 12 October 2013 you could take it that conveyancing practitioners handling conveyancing in Balham to remain encouraging a chancel search and or chancel repair liability insurance.
I'm purchasing a new build house in Balham with the aid of help to buy. The developers refused to budge the amount so I negotiated 6k of extras instead. The house builders rep advised me not reveal to my lawyer about this deal as it will affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I have been sourcing a conveyancing solicitor in Balham for my house move. Is it possible to review a solicitor's complaints history with the profession’s regulator?
You can read published Solicitor Regulator Association (SRA) decisions resulting from investigations commenced on or after Jan 2008. Visit Check a solicitor's record. For records about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, dial +44 (0)121 329 6800. The regulator may recorded telephone calls for training reasons.
Online reading suggests that Balham solicitors are more expensive than licensed conveyancers in Balham when it comes to purchasing a house. So is it better if I use a conveyancer or a solicitor if I am purchasing a house in Balham.
When it comes to conveyancing in Balham the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.